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HomeMy WebLinkAbout08-1047r X 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIA CARD SERVICES, N.A. Plaintiff No: Q$ - 1041 CiVi 1 der" VS. TERESA A HANKINS COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 06270341 C A Pit LXR t r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIA CARD SERVICES, N.A. Plaintiff VS. TERESA A HANKINS Defendant Civil Action No d9- /Dy 7 ez,u J T? COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 t COMPLAINT 1. Plaintiff, FIA CARD SERVICES, N.A. is a corporation with offices at 2727 PACES FERRY RD,#1400 ATLANTA , GA 30339 . 2. Defendant is adult individual(s) residing at the address listed below: TERESA A HANKINS 103 W SOUTH ST CARLISLE, PA 17013 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXXXXXX2478 . 4. Defendant made use of said credit card and has a current balance due of $2533.31 , as of December 31, 2007 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 7.000. per annum on the unpaid balance from December 31, 2007 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 11111 and made a part hereof. i 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant , TERESA A HANKINS , INDIVIDUALLY , in the amount of $2533.31 with continuing interest thereon at the rate of 7.0001 per annum from December 31, 2007 plus costs. James armbrodt,42524 WELT EINBERG & REIS CO., L.P.A. 436 eve th Avenue, Suite 2718 Pit sbur h, PA 15219 (4 2) 4 4-7955 F : 4 2-338-7130 0 270 41 C A Pit LXR This law firm is a debt collector atpen)5ting to collect this debt for ,.d will be used for that purpose. our client and any information obtaNne R? Preparedfor. TERESAAHANKINS 4888 6031 3882 8629 April 2007 Statement Credit Line: $1,500.00 Cash or Credit Avallab/e: Summary of Transactions Billing Cycle and Payment Information Previous Balance $2,148.93 Days in Billing Cycle 30 Payments and Credits - $0.00 Closing Date 04/05/07 Cash Advances + $0.00 Purchases and Adjustments + $39.00 Payment Due Date 04/29/07 Periodic Rate Finance Charges + $57.89 Current Payment Due $112.00 Transaction Fee Finance Charges + $0.00 Past Due Amount + $613.98 Total Minimum New Balance Total $2,245.82 Payment Due BankofAmedca 401. www. banKotamerica.com Mail Payments to.. BANK OF AMERICA P.O. BOX 15726 WILMINGTON, DE 19886-5726 Mail Billing inguiries to: BANK OF AMERICA P.O. BOX 15026 WILMINGTON, DE 19850-5026 Call toll-free 1-800-789-6685 TDD hearing-impaired 1-800-346-3178 Posting Transaction Reference Account Purchases and Adjustments Date Date Number Number Category Amount LATE FEE FOR PAYMENT DUE 03/31 03/31 03/31 2148 C 39.00 fi .. qt. Corresponding Annual Balance Subject to Category Periodic Rate Percentage Rate Finance Charge Cash Advances A. Balance Transfers, Checks 0.088328% DLY * 32.24% $0.00 B. ATM, Bank 0.088328% DLY * 32.24% $0.00 C. Purchases 0.08W28% DLY * 32.24% $2,184.50 Annual Percentage Rate for this Billing Period: 32.24% (Includes Periodic Rate Finance Charaes and Transaction Fee Finance Charaes.) * Periodic Rate May Vary 06 0022458200072598000045000004888930285114614 Check here for a change of mailing address or phone number(s). BANK OF AMERICA Please provide all corrections on the reverse side. P.O. BOX 15726 WILMINGTON, DE 19886-5726 InIII 11111 1111111111111111111111111111111111111 1n111 TERESA A HANKINS 103 W SOUTH ST CARLISLE PA 17013-3434-031 OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE YOUR BALANCE EXCEEDS APPROVED CREDIT LIMITS ACCOUNT NUMBER: 4888 6031 3882 8629 NEW BALANCE TOTAL: $2,245.82 PAYMENT DUE DATE.• 04/29/07 &W- Ay"M Ammwri Erxio"d' Mail this payment coupon along with a check or money order payable to: BANK OF AMERICA m ID 0 N 1:5 2 40 2 2 2 50': L2840285LL46L1,0 (--I I () 0 -'s ?o ? 0 nria 14"-npo VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating to unsworn falsifications to authorities, that he/she is 61- r- AC J (AME) po-Lt,, Aef, ,/vaL of /?a,?? o? ''¢?s_?- , plaintiff herein, that -? (TITLE) (COMPANY) he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Complaint are true and correct to the best of his/her knowledge, information and belief. (SI NA RE) PEGGyq,; eC?• •/VQ . • "?j '.. .P o. ;"Y Nr This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. WWR#06270341 - Cla n ? (? O ? ri7 T O p? rn r _ W (Al - _., SHERIFF'S RETURN - REGULAR CASE NO: 2008-01047 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FIA CARD SERVICES N A VS HANKINS TERESA A KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon T-TAT\TKTNTq T7P7gA A the DEFENDANT , at 1705:00 HOURS, on the 19th day of February-, 2008 at 103 W SOUTH STREET CARLISLE, PA 17013 by handing to PAUL ROBBINS, ADULT IN CHARGE a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 4.80 Affidavit .00 Surcharge 10.00 .00 ,t/.q5/CS 9- 32.80 Sworn and Subscibed to before me this day of , So Answers: R. Thomas Kline 02/20/2008 WELTMAN WEINBERG REIS By: A. D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIA CARD SERVICES, N.A. Plaintiff vs. TERESA A HANKINS Defendant No. 08-1047 CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: WILLIAM T. MOLCZAN, ESQUIRE PA I.D.447437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06270341 Judgment Amount $ 2598.11 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIA CARD SERVICES, N.A. Plaintiff vs. Civil Action No. 08-1047 CIVIL TERM Kindly enter Judgment against the Defendant, TERESA A HANKINS above named, in the default of an Answer, in the amount of $2598.11 computed as follows: Amount claimed in Complaint Interest from DECEMBER 31, 2007 to MAY 14, 2008 at the legal interest rate of 7.0% per annum $64.80 TERESA A HANKINS Defendant TO THE PROTHONOTARY: PRAECIPE FOR DEFAULT JUDGMENT $2533.31 TOTAL $2598.11 I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: WILLIAM T. MO ZAN, ESQUIRE PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#06270341 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7`h Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 103 W SOUTH ST, CARLISLE,PA 17013 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIA CARD SERVICES, N.A. Plaintiff case # Qb -IUD-k-V QML TG??Y\ TERESA A HANKINS Defendant(s) IMPORTANT NOTICE TO: TERESA A HANKINS 103 W SOUTH ST CARLISLE,PA 17013 Date of Notice: Uri `?o I ?? WWR#: 06270341 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 PATRICK THOMAS WOODMAN PA I.D. #34507 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 KOPPERS BLDG, 436 7TH AVE. PITTSBURGH, PA 15219 Request for Military Status Department of Defense Manpower Data Center Military Status Report Pursuant to the Servicemembers Civil Relief Act Page 1 of 2 MAY-14-2008 06:47:38 '< Last Name First/Middle Begin Date Active Duty Status Service/Agency HANKINS TERESA Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person ( e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects current active duty status only. For historical information, please contact the Military Service SCRA points-of-contact. See: http://www.defenselink mil/faq/pis/PC09SLDR html WARNING: This certificate was provided based on a name and Social Security number (SSN) provided https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 5/14/2008 Request for Military Status Page 2 of 2 by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID: BFAESPSSFOI https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 5/14/2008 IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIA CARD SERVICES, N.A Plaintiff vs. TERESA A HANKINS Defendant Case no: 08-1047 CIVIL TERM NON-MILITARY AFFIDAVIT The undersigned, who first being duly sworn, according to law, deposes and states as follows: That he/she is the duly authorized agent of the Plaintiff in the within matter. Affiant further states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521. Affiant further states that based upon investigation it is the affiant's belief that the .Defendant, TERESA A HANKINS is not in the military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the Defendant, TERESA A HANKINS is not in the military service. Further Affiant sayeth naught AFFIANT SWO TO AND SUB CRIBED in my presence this 5 day . COMMONWEALTH OF PENNSYLVANIA - Notarial Seal NO RY PU IC Wayne A. Jones, Notary Public City Of Pittsburgh, Allegheny County My Commission Expire: June 29, 2010 51ember.: Notafts This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. 00 l O ? e ^O CX9 ? -- ` FT i T',. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIA CARD SERVICES, N.A. Plaintiff vs. Civil Action No. 08-1047 CIVIL TERM TERESA A HANKINS Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judgment was entered against you on 5 (xx) Assumpsit Judgment in the amount of $2598.11 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitration Award Prothonotary By: PRO e5-NOT DE TY) TERESA A HANKINS 103 W SOUTH ST CARLISLE,PA 17013 Plaintiffs address is: c/o Wellman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7a' Avenue, Pittsburgh, PA 15219 1-888-434-0085 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 08-1047 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due FIA CARD SERVICES, N.A. Plaintiff (s) From TERESA A. HANKINS, 501 HAMILTON STREET, CARLISLE, PA 17013 (1) You are directed to levy upon the property of the defendant (s)and to sell (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: MEMBERS 1sT FCU, 1711 SPRING ROAD, CARLISLE, PA 17013 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $2,598.11 L.L. $.50 Interest $547.53 Atty's Comm % Due Prothy $2.00 Atty Paid $1 LS 3.3 C Other Costs Plaintiff Paid Date: 9/1/11 David D. Buell, Prothonotary (Seal) Deputy REQUESTING PARTY: Name WILLIAM T. MOLCZAN, ESQUIRE Address: WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No. 47437 A IN THE CI)UT'_T OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIA CARD SERVICES, N.A. ;'laintiff vs. Civil Action No. 08-1047 CIVIL TERM cam. TERES A A HANKINS I SO( 1-?(j,?v,,,? hjY1 S? ( l y`' 115 t ?? 0013 M Defendant(:) r MEMBERS IST FCC I l'( ?? gPr?? ?O \ ? Garni.shee(s;. zo PRAECIPE FOR WRIT OF EXECUTION 5;.(-- TO THE PR(_)THON\.)TARY: Kindly issue a 'VIrit of Execution in the above matter.. 1. direct !d to the Sheriff of CUMBERLAND County: 2. aga;nst TE;RESA A HANKINS , Defendant 3. agaii A M:;MBERS 1 ST FCU, , , Garnishee %1. Jud:zraens Amount Les:. Payments/credits received Inter:st Co. is SU 4 'OT ?.L: Co.,*s* be added by Prothonotary): C,/) x?• c _v $ $2,598.11 1 $ $0.00 $ $547.53 $ $3,145.64 r'r3 r7 ..a WELTMAN, WEINBERG & REIS CO., L.P.A. 9 4. 3a -e:;? 1.00 x,15 q,;),Co Zw 6. 8$ . 5 U LC- F-t Zy//9 By: -,Iv vv - - William T. Molczan, Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 6270341 ?-v/ ? &' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIA CARD SERVICIFS, -w.A. Plaintiff No. 08-1047 CIVIL TERM vs. TEKESY, fI PANK1,-1 ;S >>ei,::dant(-,,, ME;r1B,-,RS IST F'1' 6arnishee(?: PRAECIPE FOR WRIT OF EXECUTION (BANK ATTACHMENT ONLY) FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 6270341 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor v ¢ OFr G , E "ILED-OFEICC_ 0,i- THE PR0THOtNOTARY 7011 SEP 13 AM 9: 11 CUMBERLAND COUNTY PENNSYLVANIA FIA Card Services, N.A. vs. Teresa A Hankins Case Number 2008-1047 SHERIFF'S RETURN OF SERVICE 09/09/2011 09:50 AM - Amanda Cobaugh, Deputy, who being duly sworn according to law, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the Defendant, in the hands, possession, or control of the within named garnishee, 1711 Spring Road, North Middleton Township, Carlisle, PA 17013, Cumberland County, by handing to KRISTAL LUCKEY, MEMBER SERVICE REP, personally three true and attested copies of the Writ of Execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on September 12, 2011 to Teresa A. Hankins at 501 Hamilton Street, Carlisle, PA 17013. SHERIFF COST: $137.46 September 12, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF 1 '10 M d /I ( q''?n 1, V Amanda Cobaugh, Depu ??a CowrySute Snerm, iefebso,t, Inc. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Anderson S Smith of Deputy ?4y?,ldr ?t?:urrGer/r ? rNE PR0..RON 0 "; zLI!2 MAR 22 AM 60: 44 .ichard W Stewart Solicitor GUMBERLND COU141 `' PENNSYLVANIA FIA Card Services, N.A. vs. Teresa A Hankins SHERIFF'S RETURN OF SERVICE Case Number 2008-1047 09/09/2011 09:50 AM - Amanda Cobaugh, Deputy, who being duly sworn according to law, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the Defendant, in the hands, possession, or control of the within named garnishee, 1711 Spring Road, North Middleton Township, Carlisle, PA 17013, Cumberland County, by handing to KRISTAL LUCKEY, MEMBER SERVICE REP, personally three true and attested copies of the Writ of Execution and made the contents there of known to her. The writ of execution and notice to defendant was mailed on September 12, 2011 to Teresa A. Hankins at 501 Hamilton Street, Carlisle, PA 17013. 03/21/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is returned as ABANDONED. No action on writ in over 6 months. SHERIFF COST: $88.13 SO ANSWERS, March 21, 2012 RON R ANDERSON, SHERIFF ICi C?unf,Suit Sher. f. Teloosoft In;;. •t-v . CG,